U B C SOUTHERN COUNCIL INDUSTRIA WO
Charter #22219 | LA
<100M
(2596 CUs)
Micro
($0-$500M)
108 <100M in LA
U B C SOUTHERN COUNCIL INDUSTRIA WO has 8 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.77% above tier average
- + Net Interest Margin 4.82% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 2.3% in tier
- + Net Worth Ratio: Top 2.9% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 1.25% above tier (higher cost structure)
- - Member decline: -5.7% YoY
- - Total Deposits: Bottom 4.1% in tier
- - Average Member Relationship (AMR): Bottom 4.8% in tier
- - Total Assets: Bottom 4.8% in tier
- - Total Loans: Bottom 7.9% in tier
- - Loan-to-Member Ratio (LMR): Bottom 9.0% in tier
- - Total Members: Bottom 9.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
345
-5.7% YoY-14.2% QoQ
|
-2.3K |
2,625
-2.2% YoY
|
9,352
+2.6% YoY
|
33,089
+6.1% YoY
|
Bottom 9.2% in tier |
| Assets |
$808,522
+1.2% YoY-2.5% QoQ
|
$-29.0M |
$29.9M
+1.1% YoY
|
$121.4M
+4.9% YoY
|
$547.7M
+7.8% YoY
|
Bottom 4.8% in tier |
| Loans |
$526,430
-7.9% YoY-6.3% QoQ
|
$-15.2M |
$15.8M
-2.4% YoY
|
$86.9M
+5.1% YoY
|
$388.7M
+8.6% YoY
|
Bottom 7.8% in tier |
| Deposits |
$499,453
-0.1% YoY-0.4% QoQ
|
$-25.0M |
$25.5M
+0.4% YoY
|
$103.9M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
Bottom 4.1% in tier |
| ROA |
1.5%
+519.4% YoY+13.4% QoQ
|
+0.8% |
0.7%
-731.4% YoY
|
0.5%
+1.1% YoY
|
0.7%
+273.4% YoY
|
Top 21.3% in tier |
| NIM |
8.8%
+5.2% YoY+2.3% QoQ
|
+4.8% |
3.9%
+3.8% YoY
|
4.3%
+3.2% YoY
|
3.7%
+5.0% YoY
|
Top 0.3% in tier |
| Efficiency Ratio |
82.6%
-10.4% YoY-1.9% QoQ
|
+1.2% |
81.4%
-2.4% YoY
|
82.9%
-3.6% YoY
|
79.1%
-3.3% YoY
|
61st in tier |
| Delinquency Rate |
0.3%
-79.7% YoY+70.0% QoQ
|
-1.2 |
1.5%
-2.0% YoY
|
1.8%
-12.2% YoY
|
1.2%
-0.9% YoY
|
33rd in tier |
| Loan To Share |
105.4%
-7.8% YoY-5.9% QoQ
|
+44.2% |
61.2%
-3.0% YoY
|
70.9%
-2.6% YoY
|
68.0%
-1.7% YoY
|
Top 2.5% in tier |
| AMR |
$2,974
+1.6% YoY+12.4% QoQ
|
$-12K |
$14,627
-2.7% YoY
|
$13,297
+2.9% YoY
|
$19,418
+1.3% YoY
|
Bottom 4.7% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
15.0%
+9.1% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
5.3%
+10.6% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)
Top Strengths (8 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
7
Net Interest Margin (NIM)
profitability
Value:
8.75%
Peer Avg: 3.93%
#7 of 2596
Top 0.2% in <100M tier
62
Loan-to-Share Ratio
balance_sheet
Value:
105.40%
Peer Avg: 61.23%
#62 of 2596
Top 2.3% in <100M tier
77
Net Worth Ratio
risk
Value:
37.65%
Peer Avg: 16.43%
#77 of 2596
Top 2.9% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: 0.57%
#246 of 2596
Top 9.4% in <100M tier
553
Return on Assets (ROA)
profitability
Value:
1.45%
Peer Avg: 0.68%
#553 of 2596
Top 21.3% in <100M tier
Top Weaknesses (8 metrics)
2490
Total Deposits
balance_sheet
Value:
$499,453
Peer Avg: $25.45M
#2490 of 2596
Bottom 4.1% in <100M tier
2473
Average Member Relationship (AMR)
engagement
Value:
$2,974
Peer Avg: $14,627
#2473 of 2596
Bottom 4.8% in <100M tier
2472
Total Assets
balance_sheet
Value:
$808,522
Peer Avg: $29.86M
#2472 of 2596
Bottom 4.8% in <100M tier
2393
Total Loans
balance_sheet
Value:
$526,430
Peer Avg: $15.77M
#2393 of 2596
Bottom 7.9% in <100M tier
2364
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,526
Peer Avg: $5,488
#2364 of 2596
Bottom 9.0% in <100M tier
2355
Total Members
engagement
Value:
345
Peer Avg: 2,626
#2355 of 2596
Bottom 9.3% in <100M tier
2236
Member Growth Rate
growth
Value:
-5.74%
Peer Avg: 14.92%
#2236 of 2596
Bottom 13.9% in <100M tier
2094
Fee Income Per Member
profitability
Value:
$10.60
Peer Avg: $182.96
#2094 of 2596
Bottom 19.4% in <100M tier